1. About these Terms
These Terms & Conditions (“Terms”) are an agreement between you and the operator identified as Payonik in the relevant app-store listing and service communications (“Payonik”, “we”, “us” or “our”). They apply to the Payonik mobile application, payonik.io and related support and account services (together, the “Services”).
By creating an account or using the Services, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Services. Additional terms from a card, payment, identity-verification or other service provider may apply to a feature and will be presented where relevant.
2. Eligibility
You may use the Services only if:
- you meet the minimum legal age and eligibility shown during registration;
- you have legal capacity to agree to these Terms;
- you provide accurate, current and complete information;
- your use is lawful in the country where you access the Services; and
- you are not subject to a restriction that prevents us or a partner from serving you.
Services and features can vary by country, account status, eligibility, partner support and regulatory requirements. Creating an account does not guarantee access to every feature, card or financial service.
3. Your account
You are responsible for keeping your contact details accurate, protecting your device and credentials, and promptly notifying us of suspected unauthorised access. You must not share your password, PIN, one-time code or full card credentials with another person.
You may enable App Lock using a local PIN and, where supported by your device, Face ID, Touch ID or fingerprint authentication. These controls add device-level protection but do not replace good account-security practices.
4. Identity verification and checks
We or our partners may require identity, address, eligibility, fraud, sanctions or other compliance checks before or during your use of a feature. You authorise us to submit relevant information to service providers and to obtain verification results where permitted by law. We may ask you to update information or repeat a check.
We may delay, limit or decline a feature when information cannot be verified, when a check is incomplete, or when required by law, policy or a service partner.
5. Wallet, card and transaction features
Available Services may let you view a wallet balance, access a virtual card, add funds, review activity or manage card settings. Some or all of these features may be supplied or processed by third-party financial or card-program partners. Partner terms, limits, supported currencies, fees, settlement times, reversals and availability may apply.
A displayed balance or transaction can be delayed, pending, reversed, corrected or adjusted based on final information received from a partner or merchant. If you believe an entry is wrong, contact support promptly with the date, amount and merchant, but never send a full card number or security code by email.
6. Fees, currency and taxes
Any applicable fee, exchange rate, limit or charge should be disclosed in the app, by the relevant provider or before you confirm a transaction. You are responsible for taxes or other public charges that apply to your activity unless law requires another arrangement.
7. Acceptable use
You must not use or attempt to use the Services:
- for fraud, money laundering, sanctions evasion or other unlawful activity;
- to misrepresent your identity or act through another person’s account;
- to interfere with security, availability, access controls or monitoring;
- to reverse engineer, scrape, copy or exploit the Services except as law permits;
- to introduce malware, automate abusive requests or test vulnerabilities without permission; or
- in a way that violates provider rules, network rules or another person’s rights.
8. Availability and changes
We work to keep the Services reliable, but uninterrupted or error-free access is not guaranteed. Maintenance, provider outages, device compatibility, connectivity, security events or legal requirements can affect access. We may add, change, suspend or remove a feature and will provide notice where required.
9. Third-party services
Identity verification, card issuance, transaction processing, app stores, device authentication and other parts of the experience can depend on third parties. Their services may have separate terms and privacy notices. Payonik is not responsible for a third party’s independent service except to the extent responsibility cannot lawfully be excluded.
10. Intellectual property
Payonik and its licensors own the Services, software, visual design, content, trademarks and related intellectual-property rights. We give you a limited, personal, revocable, non-exclusive and non-transferable right to use the app for its intended purpose while these Terms apply. No other right is granted.
11. Suspension and termination
We may restrict or suspend access where reasonably necessary to protect you or others, investigate suspected misuse, meet legal or partner obligations, address unpaid amounts, or protect the Services. Where lawful and appropriate, we will tell you the reason and how to contact us.
You may stop using the Services at any time and may request permanent account deletion through our Account Deletion page. Closing an account does not cancel a pending obligation, dispute or legally required record-retention period.
12. Disclaimers
To the extent permitted by law, the Services are provided on an “as available” basis. Payonik is not an investment, tax or legal adviser, and information shown in the app is not advice. Nothing in these Terms excludes warranties or consumer rights that cannot be lawfully excluded.
13. Liability
Nothing in these Terms limits liability where doing so would be unlawful, including liability that cannot be excluded under mandatory consumer law. Otherwise, to the extent permitted by law, Payonik is not liable for indirect, incidental, special or consequential loss, loss caused by your breach of these Terms, or loss caused solely by an independent third party outside our reasonable control.
14. Complaints and disputes
Contact us first so we can try to resolve a concern. Mandatory consumer-protection and dispute-resolution rules in your country continue to apply. Unless those rules provide otherwise, disputes are governed by the law and courts applicable to the Payonik operator identified in your account or relevant service communication.
15. Changes to these Terms
We may update these Terms to reflect product, provider, security or legal changes. We will post the updated version here and provide additional notice where required. If you keep using the Services after an update takes effect, the updated Terms apply, except where law requires express acceptance.
16. Contact
Questions about these Terms can be sent to contact@payonik.com.